Savings
| INTELLIGENT FINANCE ISAVER |
ANNUAL INTEREST |
MONTHLY INTEREST |
| AER/Gross p.a. |
NET p.a. |
GROSS p.a. |
NET p.a. |
| From £1 deposit |
6.40%
|
5.12% |
6.22% |
4.98% |
| DIRECT ACCESS SAVINGS |
ANNUAL INTEREST |
MONTHLY INTEREST |
| AER/Gross p.a. |
NET p.a. |
GROSS p.a. |
NET p.a. |
| From £1 deposit |
4.55%
|
3.64% |
4.46% |
3.57% |
All rates shown are variable.
We pay interest net of income tax (at the lower rate, currently 20%) unless you have completed a registration form or made a declaration to comply with HM Revenue and Customs regulations. If you are a higher rate taxpayer additional income tax is due on the interest we pay.
|
CASH ISA***
|
ANNUAL INTEREST |
MONTHLY INTEREST |
| AER/Gross p.a. |
GROSS p.a. |
| From £1 deposit |
5.10%
|
4.98% |
*** Cash ISA maximum deposit of £3,600 in the current tax year.
You should consider your income tax position when deciding which products to have in your Intelligent Finance plan, whether you wish to be paid interest on your savings each month or once a year and which option you want us to use for the balanced netting calculation.
The Intelligent Finance Cash ISA is guaranteed to pay at least the Bank of England's base rate until 31st December 2008. If the Bank of England base rate moves up, the rate on the Cash ISA will change within one calendar month to at least the Bank of England base rate. The Bank of England's base rate can be monitored by checking www.bankofengland.co.uk
Please note that it is no longer possible to apply for a TESSA - only ISA.
Fees & Charges
| Item |
Charge |
| Express Payment (also known as CHAPS) - same day electronic funds transfer between banks. |
£25.00 |
| Copy statements |
£5.00 |
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